📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

An in-between phase

Options
1149150152154155462

Comments

  • beanielou
    beanielou Posts: 95,607 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your evening 🥂
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Feeling a bit sad today as it's been three months since we got planning permission and we thought we'd have started building or at the worst have the tender for building contract in place by now.
    But then we thought it would take months rather than years to get planning permission so I don't know why we thought the council would suddenly start doing any work.
    If we don't begin building next month then that's looking like another year in addition to the two years it will take, as seasonal weather won't allow for enough to be done in time.

    Staying at family friends flat will be for maximum two years and we frankly won't have enough money with depreciated savings, worse credit ratings based on having kept moving address, getting older and thus less able to access decent mortgage deals, and most importantly having somewhere to live, for another year (minimum at this rate) to be added on.

    So it's looking like once we move at the end of next month we'll be saving towards a deposit for a tiny flat in an area we don't want to live in not near family or friends.
    And we'll still be need our near impossible aim of 100k extra in savings to do that.
    It's not just upsetting to have to let go of our dream of living in a modest two/three bed (on land we already own !!!!!!), but we feel like we've had our lives and choices buffeted in a direction that isn't going to pay off and the feeling of wasted time and money and powerlessness is horrible. And all because the council just don't care about responding to working class people. If we were a big company or a wealthy landowner the build would be completed by now. And there is literally nothing we can do about it. Society is very unfair and I want to cry.

    Anyway. No bad vibes on a Sunday 😂
    We'll just have to put in our final complaint, hope for a miracle, and realistically (well, horribly unrealistically) keep doing everything we can to get as close to 100k in the next two years and hope what we have will be enough to at least get any home of our own.
    How hard can it be 😂😭😭

    By the way, if anyone can use five or ten 50p off a real ale or cider in a Wetherspoons vouchers by the 1st May let me know and I'll pop them in the post for you

  • Baldybear
    Baldybear Posts: 1,719 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear rhe council are such a pain.  Could the local mp help or maybe is there such a thing as a housing ombudsman?   

    Trying to save for such an amount seems almost out of reach but you both seem determined so i am sure you will make it 😊
    Debt 13-1-25 - £39K!!!
    Mortgage 13-1-25 - £63K

    Mt DFW Diary: https://forums.moneysavingexpert.com/discussion/6580353/at-an-all-time-low#latest
  • beanielou
    beanielou Posts: 95,607 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also suggest that your local MP can help. You could pop to your next constituency clinic. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Thanks @Baldybear and @beanielou
    We previously contacted the local MP when we were trying to get planning permission and the council just straight up lied to them, saying they'd done loads of things they hadn't and that we'd not paid loads of things we had (as soon as they'd asked as well).
    We'll try again but even if it does have any effect, it'll very likely be too late for us to be able to not face needing to find an additional year's worth of money to make up.
    Housing Ombudsman to the best of my knowledge is for complaints about direct housing providers rather than needing a home issues but will double check 
  • KajiKita
    KajiKita Posts: 7,736 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Contacting the MP was my first thought, and actually even more so with the history and evidence of blatant lies etc.

    But that’s tomorrow’s challenge. For today, sending you huge, squashy but gentle hugs with a garnish of sparkles ✨ 

    KK x
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Watty1
    Watty1 Posts: 6,845 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    With you on the frustrations of planning which is why my aim of converting my barn has not progressed yet.

    You might already know this but there is a really good face book page called 'planning geeks' run by someone who really is a geek  He gave me some super helpful advice and it might just be worth having a read on there for ideas on how to progress forwards.  (He runs a website of same name but the Face book page is full of comments so I have learnt a lot from it although some is area specific.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Sun_Addict
    Sun_Addict Posts: 24,078 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    No wonder you feel fed up 🙁 Why are councils so rubbish, they use every excuse under the sun to do nothing 😡 Could you copy your MP into the complaint to the council? How about publicly calling out the council eg on their X (Twitter) page if they have one? 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Thanks gang, appreciate the support and things to look into.

    Today's small efforts:

    Admin
    Tidying
    Comping

    Vinted updates
    45 minute total carpet walk
    Entered some competitions, today I'm mostly looking forward to winning a coffee machine I can flog for the flat pot

    Some sort outs of my stuff at Mr PIPs. I have managed to part with two whole books

    Dinner is veggie cottage pie from the freezer, left over from when I was last here (thank you for bulk cooking, past me) and a very nice bottle of red wine that was one of my Christmas presents.

    Happy Christmas everyone! 

  • Sorry to hear all of this @PennysIntoPounds It's so demoralising when you do everything you should do and the council can't even fulfill one of their most basic functions.  I feel increasingly that everything is set up to make us powerless in the hope that we will just give up and not bother anyone!! Agree with the MP suggestion but also local councillor for the ward.  It is an election year and if you present everything you have done in an evidence pack with a timeline alongside your complaint it might get somewhere.

    Wishing you all the best.

    L x 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.